由新公司法驱动的银行治理变革正加速落地。近日，齐鲁银行、兴业银行等上市银行纷纷宣布不再设立 监事会。 业内人士认为，以审计委员会取代监事会可以提升公司治理效率、降低运营成本，但需解决监督的独立 性与专业性问题。此外，如何将原则性规定转化为可行的具体方案，也是银行需要面对的挑战。 纷纷取消监事会 9月23日，齐鲁银行召开股东大会，表决通过了《关于不再设立监事会的议案》。议案表示，根据相关 法律法规、监管制度的规定，结合实际情况，该行拟不再设立监事会及其下设专门委员会，由董事会审 计委员会行使公司法和监管制度规定的监事会职权。 齐鲁银行并非是取消监事会的唯一一家银行。4月29日，工商银行、农业银行、建设银行、中国银行、 交通银行五家国有大行集体宣布撤销监事会，招商银行、兴业银行、北京银行等股份行和城商行也陆续 跟进。 ● 李静 李蕴奇 业内人士认为，以审计委员会取代监事会有助于提升公司治理效率、降低运营成本，但必须确保监督的 独立性与专业性。 "由审计委员会替代监事会的监督职能，一是有助于提升银行治理效率；二是可以减少机构冗余，精简 公司治理结构；三是董事会对经营和监督全面负责，权责更加清晰，激励与约束机制更为一 ...

Market Performance - The city commercial bank sector declined by 0.94% on September 25, with Chongqing Bank leading the decline [1] - The Shanghai Composite Index closed at 3853.3, down 0.01%, while the Shenzhen Component Index closed at 13445.9, up 0.67% [1] Individual Stock Performance - Chongqing Bank closed at 8.94, down 1.65% with a trading volume of 170,700 shares and a transaction value of 153 million [1] - Other notable declines include Xi'an Bank down 1.50% to 3.95, Zhengzhou Bank down 1.48% to 2.00, and Qingdao Bank down 1.44% to 4.78 [1] - Shanghai Bank and Xiamen Bank also saw declines of 1.43% and 1.39%, respectively [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 278 million from institutional investors, while retail investors saw a net inflow of 152 million [1] - The table indicates that Suzhou Bank had a significant net outflow from institutional investors of 48.08 million, while Qilu Bank had a net inflow of 25.86 million [2] - Chongqing Bank specifically had a net outflow of 5.68 million from institutional investors but a net inflow of 10.91 million from retail investors [2]

Market Performance - The city commercial bank sector increased by 1.64% on September 24, with Qilu Bank leading the gains [1] - The Shanghai Composite Index closed at 3853.64, up 0.83%, while the Shenzhen Component Index closed at 13356.14, up 1.8% [1] Individual Stock Performance - Qilu Bank closed at 5.87, with a rise of 1.73% and a trading volume of 1.0666 million shares, amounting to a transaction value of 624 million yuan [1] - Hangzhou Bank closed at 15.32, up 0.66%, with a trading volume of 451,600 shares and a transaction value of 691 million yuan [1] - Zhengzhou Bank closed at 2.03, up 0.50%, with a trading volume of 920,500 shares and a transaction value of 18.7 million yuan [1] - Nanjing Bank closed at 11.01, up 0.46%, with a trading volume of 1.7333 million shares and a transaction value of 806 million yuan [1] - Other banks such as Changsha Bank, Ningbo Bank, and Qingdao Bank also showed slight increases in their stock prices [1] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 69.1764 million yuan from institutional investors, while retail investors saw a net inflow of 55.8208 million yuan [2] - The overall capital flow indicates a mixed sentiment, with institutional investors withdrawing funds while retail investors continued to invest [2] Detailed Capital Flow for Selected Banks - Ningbo Bank had a net inflow of 74.388 million yuan from institutional investors, but a net outflow of 51.098 million yuan from speculative funds [3] - Shanghai Bank saw a net inflow of 17.1761 million yuan from institutional investors, while retail investors had a net outflow of 30.1701 million yuan [3] - Chengdu Bank experienced a net inflow of 16.3117 million yuan from institutional investors, with a net outflow from retail investors [3]

Core Viewpoint - Qilu Bank Weifang Changle Branch actively implements financial services for the elderly, aiming to create a warm and comprehensive financial service system for senior clients [1] Group 1: Service Innovation - The Changle Branch has established an "elderly-friendly service network" since its inception in January 2025, ensuring traditional services are not lacking while providing barrier-free intelligent services [2] - Facilities such as barrier-free passages, caring seats, magnifying glasses, and first aid kits have been installed to meet elderly-friendly standards [2] - A "green channel" for elderly clients has been set up, allowing experienced tellers to provide one-on-one consultation, effectively reducing waiting times [2] Group 2: Smart Financial Services - The branch utilizes Qilu Bank's mobile banking "Family Circle" feature to help children bind accounts for elderly parents, enabling remote assistance for transactions and balance inquiries [3] - Monthly "Smart Financial Classes" are conducted to teach elderly clients about mobile banking and fraud prevention, serving over 500 elderly clients [3] - A dedicated hotline for elderly clients has been established, staffed with dialect-speaking representatives to ensure seamless communication [3] Group 3: Community and Enterprise Collaboration - The branch has strengthened cooperation with local enterprises, partnering with an investment management group focused on rehabilitation and elderly care services [4] - In 2025, the branch provided a credit line of 10 million yuan to a hospital under this group for purchasing medicines and updating medical equipment, enhancing the treatment capabilities for elderly and chronic diseases [4] - The "Financial Care Plan for Disabled Elderly" was launched, offering specialized financial consulting and fraud prevention education to over 500 elderly residents in care facilities [4]

Group 1 - The core viewpoint of the articles highlights the significant role of the commercial kitchenware industry in Bo Xing County, Shandong Province, which has established itself as a leading production hub with over 40% market share nationally and over 90% within Shandong [1][2] - Bo Xing County has developed a complete industrial chain for commercial kitchenware, housing over 2,800 large-scale enterprises and creating more than 45,000 jobs, with notable brands such as Lu Bao, Crown, and Jin Bai Te [1] - The introduction of the "Kitchenware Loan" by Qilu Bank aims to address the financing challenges faced by local kitchenware companies, facilitating equipment upgrades and capacity expansion [1][2] Group 2 - Qilu Bank's proactive approach in understanding the financing needs of local businesses led to the successful issuance of a 2 million yuan loan to Shandong Zhenglian Kitchen Industry Co., which resulted in a 40% increase in production capacity and the creation of 20 new jobs [2] - Since the beginning of the year, Qilu Bank's Binzhou branch has provided over 20 million yuan in credit support to nearly 30 kitchenware manufacturers through the "Kitchenware Loan" program [2] - The bank has developed a diverse range of inclusive financial products tailored to local industries, with over 260 million yuan in new loans issued in the first half of the year, demonstrating a commitment to meet the specific needs of the industry [2]

Core Insights - The leading enterprise in the cold chain storage and supply chain sector in Jiaozhou is facing financial challenges due to the "payment before delivery" model prevalent in the seafood industry, which has resulted in over 50 million yuan in annual financing pressure [1][2] - Qilu Bank has introduced an innovative "blue cold chain industry chain financial solution" to address the financing difficulties faced by the seafood cold chain industry, aligning with national strategies for marine economic development [2][3] Company Overview - The enterprise operates a 32,000 square meter cold storage facility with a capacity of 100,000 tons, 38 automated cold chain conveyor lines, and advanced temperature control systems, handling 180,000 tons of seafood annually, accounting for 35% of the cold chain circulation in Jiaozhou [1] - The utilization rate of the low-temperature warehouse has increased from 90% to 98%, with a maximum daily throughput exceeding 800 tons, establishing it as one of the busiest seafood cold chain hubs in the Shandong Peninsula [3] Financial Solutions - Qilu Bank provided 50 million yuan in online trade financing to the enterprise's supply chain management company, reducing financing costs by 1.5 percentage points, which helps alleviate the pressure of advance procurement [2] - A total of 140 million yuan in trade financing has been approved for five compliant and high-growth seafood processing enterprises, resulting in an increase of over 20 million yuan in annual processing output and creating 220 new jobs [3] Industry Impact - The financial support from Qilu Bank has led to significant improvements in the efficiency and profitability of the seafood cold chain industry, with surrounding enterprises forming a marine economic industrial park covering 2.3 square kilometers [3]

Core Insights - Shandong is promoting a green transformation with a focus on high-quality development, supported by green finance as a key driver [1][8] - By the end of 2024, the province's green loan balance is expected to reach 2.2 trillion yuan, with a year-on-year growth rate exceeding 30% [1][9] Green Financial Services - Qilu Bank is actively breaking down barriers between traditional finance and green industries by offering tailored financial services to meet diverse needs [2][3] - The bank has introduced innovative products like "Carbon-linked Loans" that provide favorable terms based on a company's carbon performance, exemplified by a 10 million yuan loan to Qingguo Food Co. [2][5] - The bank's green financial services extend to personal consumption, including green mortgages and financing for electric vehicles [3][4] Local Innovation in Green Finance - Qilu Bank has developed localized financial products to address the unique challenges of Shandong's traditional manufacturing sector, such as the "Sustainable Development-linked Loans" [5][6] - These loans tie interest rates to sustainability performance metrics, incentivizing companies to reduce emissions and improve resource efficiency [7][8] Building a Green Financial Ecosystem - Qilu Bank is committed to establishing a comprehensive green financial ecosystem, integrating strategic planning, organizational structure, and risk management [8][9] - The bank has set clear targets for green loan growth and has implemented an ESG risk rating system to evaluate environmental and social responsibilities during the loan approval process [8][9] Performance and Recognition - As of mid-2025, Qilu Bank's green loan balance exceeded 43.6 billion yuan, with a growth rate surpassing 30% [9] - The bank has received multiple accolades for its green finance initiatives, including recognition as a top green financial institution in Shandong [9]

Core Viewpoint - The banking sector has shown renewed activity, with several banks experiencing notable stock price increases on September 24, indicating positive market sentiment towards the industry [1] Group 1: Stock Performance - Chongqing Rural Commercial Bank saw its stock price rise by over 3% [1] - Qilu Bank, Postal Savings Bank, Industrial and Commercial Bank of China, and Zheshang Bank all experienced stock price increases of over 1% [1]

Group 1 - The banking sector is experiencing renewed activity, with notable stock price increases for several banks [1] - Chongqing Rural Commercial Bank has seen its stock rise by over 3% [1] - Qilu Bank, Postal Savings Bank, Industrial and Commercial Bank, and Zheshang Bank have all reported stock increases of over 1% [1]

Core Insights - The article highlights the importance of agricultural financing in supporting grain procurement and rural economic development in Changyi City, Shandong Province [1][3] - Qilu Bank's provision of a 1 million yuan grain loan to local grain purchaser Zhou has significantly alleviated financial pressure and expanded his procurement scale [1][3] Group 1: Agricultural Financing - Agricultural financing is crucial for local grain purchasers, many of whom face challenges in securing loans due to short establishment time, small scale, and insufficient collateral [3] - Qilu Bank's Changyi branch has effectively responded to the financing needs of small and micro enterprises in the agricultural sector by integrating "Huinong Loan" and "Farmer e-loan" products, offering convenient approval and timely disbursement [3] Group 2: Economic Impact - The resolution of funding issues has injected vital financial resources into local grain planting and procurement, supporting sustainable rural economic development [3] - The bank's efforts have been recognized, as it was awarded the title of "Advanced Unit Supporting Local Development" for the year 2024 in Changyi City [3] - Future plans include expanding agricultural financing services and exploring new forms of cooperation between banks and enterprises to enhance agricultural strength, increase farmers' income, and promote high-quality regional economic development [3]